Product

Credit history builds in the background. No new accounts. No behavior change.

Kikoff Enterpise's Rent & Bill Reporting takes the on-time payments your end users already make — rent, utilities, phone, subscriptions — and reports them to credit bureaus as positive payment history. End users keep paying the way they always have.

Built for thin-file users
Reaches renters, gig workers, and credit-invisible users whose most reliable financial behavior has historically gone uncounted.

No new account required
End users opt in once. Reporting runs automatically every month. No extra steps, no behavior change needed.

White-labeled under your brand
End users opt in once. Reporting runs automatically every month. No extra steps, no behavior change needed.

Starts a credit relationship from day one
Embedding Rent & Bill Reporting begins building credit history before users qualify for any higher-tier offerings.

The business value of Kikoff Enterprise:

Expand your reach. Deepen the user relationship.

1. Market Expansion

Reach users your competitors gate out

Rent & Bill Reporting opens a credit-building relationship with them from day one, which seemlessly integrates into their spending habits.

2. User Trust

Position your platform as one that works for the user

Most products ignore end users' most consistent financial behavior. Reporting on-time rent and bills signals your platform is invested in their financial future.

3. Product Funnel

An on-ramp to your higher-tier products

As credit grows, more users qualify for offerings that require established credit history. Rent & Bill Reporting starts that relationship — and your other products benefit from where it leads.

How it works:

Enterprise-grade credit features, live within weeks.

01
Step 1: Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included. Your engineers don't take on the regulatory work.
02
Step 2: Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus, whether that's account history, on-time payments, or real-time score updates.
03
Step 3: Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
1.25M+
Active users
Established credit bureau reporting relationships
Enterprise-grade infrastructure
Live in as little as
two weeks

Ready to add Rent or Bill Reporting to your product?

White-labeled and live in weeks.

Request a Demo

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Help your users build credit with the bills they're already paying.

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